- There is no charge per check or debit paid- There is no monthly maintenance charge- You receive your statement by e-mail whenever you want- Your cancelled checks are safe kept at the bank- There is a $15.00 charge per check deposited if the check is from a bank outside the USA.

Maintain a minimum daily collected balance or one of the following to receive maintenance FREE checking:

- $600.00 in a personal checking account- $2,500.00 in a personal certificate of deposit- $2,500.00 in a personal money market account- $1,000.00 in a personal savings account- Maintain a first lien Bancroft State Bank real estate loan with automatic payments- Be a full time student (at least a Junior in high school)- Maintain direct deposit into your account (social security, railroad, pensions, payroll by employer)

ULTIMATE Checking: This checking is ideal for anyone who wants to combine the advantages of unlimited check writing privileges and free services. You qualify for this account is you maintain a $2,500.00 or more average quarterly balance in a savings account, $2,500.00 average daily balance in a certificate of deposit, or $20,000.00 or more balance on a Bancroft State Bank real estate loan. The minimum balance to open this account is $50.00.More details >>>

PLUS Checking: This checking account is ideal for anyone who prefers unlimited check writing privileges. You qualify for this account if you maintain a $1,000.00 or more average quarterly balance in a savings account, $1,000.00 average daily balance in a certificate of deposit, or $10,000.00 or more balance on a Bancroft State Bank real estate loan. The minimum balance to open this account is $50.00.
More details >>>

CLUB Checking: This checking account is ideal for anyone who prefers unlimited check writing privileges without having to worry about maintaining balances. The minimum balance to open this account is $50.00.

Bancroft State Bank offers a variety of Certificates of Deposit with a variety of maturities. These Certificates bear interest at a fixed interest rate and have a definite maturity date. If we permit a withdrawal of funds from a Certificate before its maturity date, we may impose a substantial penalty. Minimum opening deposit is $500.00.
We offer both traditional IRA and Roth IRA accounts.

- Maturities from 3 months to 4 years- Interest can compound monthly, quarterly, semi-annually or annually- Interest can be paid by adding to the certificate, paid by check or paid to an account- Minimum opening deposit of $500.00

Contact us for more information about these accounts and for current interest rates.

- Use the account to save for Christmas, taxes, vacations, etc.- Minimum opening deposit is $10.00- Club checks are mailed to you in early NovemberNo service
charges. Interest rate is variable and posted in our
lobbies. Transfers to another account are limited to 6
per month. Interest is accrued on average daily balances
and credited to the account on an annual basis. The account has an annual maturity date. If we
permit a withdrawal of funds from the account before its
maturity date, we may impose a substantial penalty.

This is a great new wedding registry
option for you and your fiancé. Whether you are just getting
started on your own or are more established and will be merging
households, wedding saving can be used for anything and everything
you might need to begin your new life together.You can invite friends and family to
make gift deposits of any amount instead of having to worry about
checks and cash getting lost or stolen inside cards.

Bancroft State Bank will provide you
with sample registry cards to share with bridal shower and wedding
guests. We also provide your guests with a gift receipt to
place inside your card.

No service charges. Minimum balance to open is
$10.00. Interest rate is variable and posted in our lobbies.
Transfers to another account are limited to 6 per month. Interest is accrued on average daily balances
and credited to the account on a quarterly basis. If the account
balance falls below an average daily balance of $10.00 for the
quarter, the accrued interest for the quarter will be forfeited.

This is a great new baby registry
option for you. Whether you are just getting started or are
more established, baby registry saving can be used for anything and
everything you might need to begin your life with your new baby. You can invite friends and family to
make gift deposits of any amount instead of having to worry about
checks and cash getting lost or stolen inside cards.

Bancroft State Bank will provide you
with sample registry cards to share with baby shower invitations and
others. We also provide your family and friends with a gift
receipt to place inside your card.

No service charges. Minimum balance to open is
$10.00. Interest rate is variable and posted in our lobbies.
Transfers to another account are limited to 6 per month. Interest is accrued on average daily balances
and credited to the account on a quarterly basis. If the account
balance falls below an average daily balance of $10.00 for the
quarter, the accrued interest for the quarter will be forfeited.

This is a great new graduation
registry option for you and your family. Whether you are just
getting started on your own or are more established, graduation
saving can be used for anything and everything you might need to
begin your new life after school.

You can invite friends and family to
make gift deposits of any amount instead of having to worry about
checks and cash getting lost or stolen inside cards.

Bancroft State Bank will provide you
with sample registry cards to share with graduation party
invitations and others. We also provide your guests with a
gift receipt to place inside your card.

No service charges. Minimum balance to open is
$10.00. Interest rate is variable and posted in our lobbies.
Transfers to another account are limited to 6 per month. Interest is accrued on average daily balances
and credited to the account on a quarterly basis. If the account
balance falls below an average daily balance of $10.00 for the
quarter, the accrued interest for the quarter will be forfeited.

- No minimum opening deposit- Make contributions anytime in any amount- You may transfer your balance to an IRA certificate of deposit when a minimum of $500.00 is reached- Interest is accrued on average daily balances and credited to the account on a quarterly basis.

- Minimum opening deposit is $25.00 with prizes at
certain levels of savings.-
Withdrawals or transfers
to another account or to third parties by telephone
transfer are limited to six per month - Interest is accrued on average daily balances and credited to the account on a quarterly basis- If the account balance falls below an average daily balance of $50.00 for the quarter, the accrued interest for the quarter will be forfeited- If the account balance falls below a minimum daily balance of $25.00, a $1.00 service charge will be applied monthly

Regular
savings for 17 years and above is the same
above except you will need to have $100.00 in
average daily balance for the quarter to receive
interest and $50.00 minimum balance to not receive a
$5.00 service charge monthly.

This account is not available to Corporations, Limited Liability Companies, or Partnerships

- Minimum opening deposit is $2,500.00- Unlimited check writing- Interest is accrued on average daily balances and credited to the account on a monthly basis- If the account balance falls below an average daily balance of $2,500.00, accrued interest for the statement cycle will be forfeited- If the account balance falls below an average daily balance of $2,000, the business checking charges will be imposed.- See maintenance free business checking to qualify to waive these charges

*APY-represents Annual Percentage Yield based on when earnings are paid on the account. The listed APY assumes interest stays on deposit until maturity. Any withdrawal will reduce earnings. Fees could reduce earnings. If you close your account before interest is credited in non-emergencies, you will not receive accrued interest. Average Daily Balance method applied a periodic rate to the average daily balance in the account for the period. The method is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period. The period we use is a month unless otherwise stated. Interest rates are determined at the bank's discretion and may change on any given day. All interest rates effective as of today's date.